| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 2701 NORTH ROCKY POINT SUITE 960 TAMPA, FL 33607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $5K | $27K | 7.76% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 222 BLOOMINGDALE ROAD SUITE 402 WHITE PLAINS, NY 10605 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$6K | — | -$6K | -1.60% |
| SHIRLEY SASTRE SOUTO3 | PO BOX 140127 CORAL GABLES, FL 33114 | AFLAC | $273 | — | $273 | 3.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 777 SOUTHWEST 37TH AVENUE SUITE 500 MIAMI, FL 33135 | AFLAC | $217 | — | $217 | 2.85% |
| RACHAEL A SHARPLESS3 | 1431 NORTHEAST 55TH STREET FT LAUDERDALE, FL 33334 | AFLAC | $55 | — | $55 | 0.72% |
| DENNIS S SMYTHE3 | 7076 WEST 83RD WAY ARVADA, CO 80003 | AFLAC | $40 | — | $40 | 0.53% |
| KATHRYN P BAKER3 | 15 MEADOWBROOK ROAD MADISON, CT 06443 | AFLAC | $37 | — | $37 | 0.49% |
| RUMIL CORPORATION3 | 8888 NORTHWEST 2ND STREET CORAL SPRINGS, FL 33071 | AFLAC | $32 | — | $32 | 0.42% |
| MARIA C ORTIZ3 | 7400 SOUTHWEST 50TH TERRACE SUITE 300 MIAMI, FL 33155 | AFLAC | $25 | — | $25 | 0.33% |
| JANICE KAY FERRY3 | 325 MURPHY STREET HOLLIDAYSBURG, PA 16648 | AFLAC | $22 | — | $22 | 0.29% |
| JAVIER L ORTIZ3 | 9620 NORTHEAST 2ND AVENUE SUITE 203 MIAMI SHORES, FL 33138 | AFLAC | $15 | — | $15 | 0.20% |
| G SCOTT COOKE3 | 2832 NORTHEAST 17TH AVENUE WILTON MANORS, FL 33334 | AFLAC | $13 | — | $13 | 0.17% |
| MARCO A ERAZO3 | 4160 SOUTHWEST 152ND AVENUE MIRAMAR, FL 33027 | AFLAC | $9 | — | $9 | 0.12% |
| MARTA M SASTRE3 | 1214 COLUMBUS BOULEVARD CORAL GABLES, FL 33134 | AFLAC | $9 | — | $9 | 0.12% |
| LAURA M MARCOTTE3 Filed as: LAURA PROBASCO | 4928 SILVERWOOD DRIVE JOHNSTOWN, CO 80534 | AFLAC | $8 | — | $8 | 0.11% |
| TOMAS E FLORES3 | 2030 HUDSON STREET APARTMENT 942 FORT LEE, NJ 07024 | AFLAC | $8 | — | $8 | 0.11% |
| JENNIFER LYNN WHITE3 | 141 HUNTER DRIVE CRANBERRY TOWNSHIP, PA 16066 | AFLAC | $6 | — | $6 | 0.08% |
| SMITH BENEFITS CONSULTING GROUP3 Filed as: SMITH BENEFITS CONSULTIN GROUP | 810 RIVER AVENUE SUITE 230 PITTSBURGH, PA 15212 | AFLAC | $5 | — | $5 | 0.07% |
| THOMAS P MCKIERNAN3 | 687 EAST BROADWAY MILFORD, CT 06460 | AFLAC | $3 | — | $3 | 0.04% |
| EILEEN SANCHEZ MEDINA3 | 6100 SOUTHWEST 44TH TERRACE MIAMI, FL 33155 | AFLAC | $1 | — | $1 | 0.01% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 386 | $2.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 367 | $353K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 367 | $353K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 367 | $353K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 367 | $353K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 367 | $353K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 367 | $361K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.